Yeah, so I'm working on gold moves and hope to have those ready to test this fall.. but I've yet to take my bronze FS test. It's not that I can't do the required elements, I just don't like working on my program(s) and I haven't even committed to testing my bronze yet so that is holding me back from testing silver. My bronze program isn't fully finished because I don't like working on it. My silver program is done, but I have to get through bronze before I can test that one. That said, I still consider myself a silver level skater even though I haven't passed my silver FS test.
I have absolutely no plans to compete so for me testing freeskate levels is more of a "I want to be able to say I did it" thing than a "must do it by ____" goal. I enjoy working on elements in isolation, but putting them together in a program really stresses me out. Moves in the field for me is much more methodical and I actually enjoy working on them... which is why I have tested up higher without taking the corresponding freeskate tests and I'm still spending more time working on moves than my freeskate programs.
Personally, in your situation I'd put a bronze program together and work on it even if you don't plan on testing right away... that way when you are ready, you'll have less work to do and you'll already be really comfortable with it
Plus in most competitions you can choose to skate up a level if you want to, so you don't even need to pass the bronze test to compete at that level if you wanted to just put it out there and see how you do.
Dance is great too but I wouldn't take solo dance tests - if you were ever to want to compete with a partner (and never say never!) you can't if you tested solo without retaking the test, which means extra time and expense. If you test with a partner you can then compete either solo or partnered. I've considered working on my preliminary and pre-bronze dances (I actually know them all, they just need some polish to be able to test them) just to have some other tests to work on but if I did I would find a partner to test them with me just so I wouldn't ever run the risk of having to "re-do" those tests later on.
I also agree with jjane that the levels aren't equal across the board... especially the dances. Pre-silver and Silver dances are more like gold MITF difficulty, which would make sense since they are the 4th and 5th tests, not the third. If you compare them straight across the board, first test against first test they are more comparable... but the names of course don't match up at all.
There are also 3 adult figure tests.. I plan on taking my bronze test some time this fall, and hopefully my silver test at some point after that if my club can find enough judges for it. Of course there's nothing saying you can't take the regular figure tests either